Helping Injured Workers' Get The Benefits They Need For Over 30 Years

3 ways an insurance adjuster may lowball your claim

On Behalf of | Jan 24, 2023 | Workers' Comp Benefits, Workers' Compensation, Workplace Injuries |

It is hard to determine how much you will receive in workers’ compensation benefits because it depends on the type of injury received, your wages and several other factors. It is common for individuals to have their claim denied or receive a lowball settlement offer.

The Minnesota Department of Labor and Industry oversees workers’ compensation awards, but despite their involvement, many workers end up with compensation to will not adequately cover the expenses associated with their injury. Here are several ways an insurance company may try to lowball your claim.

1. The offer comes too quickly

It can take an insurance company several weeks or several months to present a settlement once the person files a claim. If the offer comes quickly, it could indicate the company is trying to avoid the consideration of future costs. The companies will typically send a low offer initially as negotiations will eventually increase the amount.

2. The insurance company disputes the injuries

Even after submitting the evidence for your injury, the insurance company may argue about its legitimacy. The adjuster may question if the injury was a pre-existing condition or make you submit extra documentation.

3. The offer has limitations

Some companies will send an offer that does not cover all of your expenses and leave out potential damages. A settlement could exclude future medical bills or lost wages and leave those estimations out of your offer.

Arriving at a fair settlement is a complex matter. However, you can tell if the insurance company is trying to lowball your offer.